If you haven’t received your $1,400 stimulus payment yet, 2025 may be your absolute last chance to claim it. With rising inflation and cost of living pressures, every dollar matters—especially for low-income families and seniors. The IRS has issued a final call for unclaimed stimulus payments under the 2021 American Rescue Plan. And while there are no new stimulus checks being distributed in 2025, the government is giving Americans one final opportunity to claim the third Economic Impact Payment—if they act fast.
his article explains everything you need to know about the $1,400 stimulus check, who qualifies, how to claim it, and why April 15, 2025, is your final chance.
What Is the $1,400 Stimulus Check?
The $1,400 stimulus check was the third Economic Impact Payment (EIP) issued by the IRS in 2021 under the American Rescue Plan Act. It was meant to provide financial relief during the COVID-19 pandemic. While most Americans received this payment automatically, millions missed out due to one simple reason—they didn’t file a 2021 tax return.
To claim the payment in 2025, eligible individuals must file a 2021 tax return and claim the Recovery Rebate Credit.
Final Deadline: April 15, 2025
The IRS has set April 15, 2025, as the absolute deadline to file your 2021 tax return and claim your missed stimulus payment. There will be no extensions, grace periods, or second chances. If you miss this date, the opportunity to claim the $1,400 payment will be gone forever.
This isn’t a new stimulus program—it’s your last chance to claim what was already yours in 2021.
Who Is Eligible for the $1,400 Stimulus Check in 2025?
Even if you didn’t qualify in the past, you may now be eligible due to changes in your income or filing status. Here’s what you need to qualify:
General Requirements
- You must have been a U.S. citizen or resident alien in 2021.
- You must have a valid Social Security number or ITIN.
- You must not have been claimed as a dependent on someone else’s 2021 tax return.
- Your 2021 income must fall within the required limits.
Income Thresholds
| Filing Status | Full Payment Up To | Phased Out At |
|---|---|---|
| Single | $75,000 | $80,000 |
| Married Filing Jointly | $150,000 | $160,000 |
| Head of Household | $112,500 | $120,000 |
You can also receive an additional $1,400 for each qualifying dependent claimed on your 2021 return.
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How to Claim Your $1,400 Stimulus Check
The only way to claim the payment in 2025 is to file a 2021 federal income tax return with the Recovery Rebate Credit included.
Step-by-Step Guide:
- Gather Documents
- Social Security Number (SSN) or ITIN
- 2021 income documentation (W-2s, 1099s, etc.)
- Banking details (for direct deposit)
- File Your 2021 Tax Return
Use IRS Free File if your income was below $73,000, or visit a local VITA site or AARP Tax-Aide center for free help. - Claim the Recovery Rebate Credit
The IRS will automatically calculate your eligibility once the return is submitted. - Receive Payment
- Direct deposit: 2–3 weeks
- Paper check: 4–6 weeks
Didn’t Get the Payment? Here’s How to Check
Before filing, verify whether you received the third stimulus check in 2021:
Use These Tools:
- IRS Online Account: Shows your complete payment history.
- Bank Statements: Look for “EIP” deposits in 2021.
- IRS Transcript: Request online or by mail.
- Mailed Check Confirmation: If you moved in 2021, the check might’ve gone to your old address.
If the payment is missing, filing the 2021 return with the Recovery Rebate Credit is your only option to recover the funds.
Common Mistakes to Avoid
- Assuming You’re Ineligible: Even if you had no income in 2021, you could still qualify.
- Not Filing a 2021 Tax Return: This is mandatory to receive the credit.
- Filing Incorrect Information: Ensure names, SSNs, and income details match IRS records.
- Falling for Scams: The IRS never calls, texts, or emails for stimulus payments.
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What If You Miss the April 15 Deadline?
Unfortunately, there’s no workaround. Once April 15, 2025, passes, your eligibility to claim the $1,400 payment expires.
The money reverts to the U.S. Treasury, and the opportunity is lost forever. That’s why it’s critical to act now if you suspect you’re owed this money.
No New Stimulus Check in 2025
Rumors on social media about a new $2,000 or $1,400 stimulus check in 2025 are not true. As of now:
- No new stimulus payments are being issued.
- The only active opportunity is to claim the third stimulus payment via the Recovery Rebate Credit.
Don’t be misled by misinformation or scams—always rely on official IRS announcements.
Can You Still Get Other Credits From 2021?
Yes! By filing your 2021 return, you may also qualify for:
- Earned Income Tax Credit (EITC): Up to $6,728
- Child Tax Credit: Up to $3,600 per child
- Child and Dependent Care Credit: Up to $8,000
- Premium Tax Credit: For health insurance
These credits could significantly increase your refund amount—even beyond the $1,400 stimulus check.
Final Takeaway: Don’t Leave Your Money Behind
The $1,400 stimulus check may be your last chance for meaningful financial relief from the pandemic-era programs. Whether you’re a retiree on Social Security, a low-income earner, or someone who fell through the cracks in 2021, this is the time to take action.
With billions of dollars still unclaimed, it’s time to ask: Are you leaving money on the table?
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Frequently Asked Questions
Q: Can I still file a 2021 return even if I’m not usually required to file taxes?
Yes, and you absolutely should if you’re missing your $1,400 payment.
Q: Will I owe taxes on the Recovery Rebate Credit?
No, it’s a refundable credit and not taxable.
Q: How can I find free help to file my 2021 return?
Use IRS Free File, visit a local VITA center, or consult AARP Tax-Aide if you’re over 50.
Q: What if I moved in 2021?
Check IRS records and update your address to ensure you didn’t miss a mailed check.
Q: Will there be another stimulus check in 2025?
As of now, no new stimulus check is planned for 2025.